The www.WipeOutDebtsLegally.com, www.WipeOutDebtsLegally.co.uk and www.ukbanksecrets.co.uk websites are owned and are the property of Wipe Out Debts Legally. All copyright and other rights that are displayed and or subsist within the site are the ownership of Wipe Out Debts Legally . Any logos and/or trademarks displayed on the site, other than those belonging to Wipe Out Debts Legally, are the property of their respective owners.

In consideration of allowing you to access the pages of the site, all users of the sites are deemed to accept the following terms and conditions of use:

Wipe Out Debts Legally reserves the right to refuse supply of services and/or products, which it may offer from time to time, to any client who does not adhere to the requirements of these Terms and Conditions, on an ongoing basis.

Upon using any services or products of Wipe Out Debts Legally, you will have deemed to agree, accept and abide by all of the terms stated herein. If you do not agree to all of the terms, you will be unable to use any of the services and/or products offered.

Wipe Out Debts Legally reserves the right to revise, amend and/or alter the terms and conditions from time to time, as is necessary and at our sole discretion. Revised terms will be updated on the all the Wipe Out Debts Legally websites, with the date of posting. The revised terms and conditions will take effect on the date posted to the sites. Continued use of the services and/or products that the Wipe Out Debts Legally websites offer, will qualify as acceptance of the revised terms and conditions.

Please visit the Wipe Out Debts Legally websites frequently, to remain informed of all changes. It is without doubt your responsibility alone to review the sites as often as is required to keep up to date regarding any changes, whatsoever.

Personal information (email, mailing address, etc.) that is submitted must not be misrepresented. Wipe Out Debts Legally reserves the right to refuse services and/or products, if it is discovered that misrepresentation in personal information has occurred.

Allowed Use
All or any material displayed on the site may be downloaded, viewed, listened to (where appropriate), printed, copied on to the hard disk of your computer and used for your own personal, non-commercial purposes as a personal information resource, is done so, in good faith only. Any other type of use, will without question or doubt without exception, require the prior written consent of Wipe Out Debts Legally . In complying with the specific terms set out, you agree that you will not use the site:

For the posting, uploading, emailing or other transmission of any material, the publication, dissemination, use or possession of which infringes the rights of any person or which is unlawful in any other respect. In any way which is abusive, defamatory or obscene or which will harass, distress or inconvenience any person or which might restrict or inhibit the use and enjoyment of the site by any person.

For the posting, uploading, emailing or other transmission of any unsolicited or unauthorised advertising, promotional materials, "junk mail," "spam," "chain letters," "pyramid schemes," or any other form of solicitation or commercial exploitation (see 'SPAM' section below).

For the posting, uploading, emailing or other transmission of any material that contains software viruses or any other computer code, files or programs designed to interrupt, restrict, destroy, limit the functionality of or compromise the integrity of any computer software or hardware or telecommunications equipment.

To create a database (electronic or otherwise) that includes material downloaded or otherwise obtained from the site.

To transmit or re-circulate any material obtained from the site to any third party.

In such a way so as to remove the copyright or trade mark notice(s) from any copies of any material made in accordance with these terms or in any way that might bring Wipe Out Debts Legally into disrepute.

Wipe Out Debts Legally may publish any material you submit, post, upload, email or otherwise transmit to them at their sole discretion and they shall be entitled to make additions or deletions to any such material prior to publication.

Spam
Wipe Out Debts Legally treat allegations of SPAM extremely seriously and therefore implement a 'Zero Tolerance Policy' where any and all cases of SPAM are concerned. Quite simply any breach of our ANTI-SPAM policy will render the offender excluded for our services and products with immediate effect, losing all benefits and accrued earnings in the process.

Ignorance is no defence where SPAM is concerned - if you are at all unsure as to whether what you are proposing to do is regarded as SPAM then please read this whole section thoroughly or email us to check first.

You agree to only enter your own email address in our contact enquiry form. Entering someone else's details is considered to be ‘SPAM’. Should this be the case your registration will be deleted accordingly and any additional required action will be taken.

Removal of Material and Cancellation of Access
Wipe Out Debts Legally shall have the sole right to refuse access to any of the pages on the site at any time and for any reason, without giving any advance notice. Furthermore, Wipe Out Debts Legally shall not be liable for any losses or damages whatsoever arising from your inability to access any of the pages on the site.

Wipe Out Debts Legally shall have the right at any time and for any reason to remove from the pages on the site any material posted, uploaded, emailed or otherwise transmitted by you, without giving you any advance notice and Wipe Out Debts Legally shall not be liable for any losses or damages whatsoever arising from the removal of such material.

Copyright, Licence's and Permissions
The copyright and other rights that may exist within some of the material appearing on or in the site may belong to a third party. It is your responsibility to obtain any licences or permissions that may be required to use such material and you agree to pay any costs or expenses incurred by Wipe Out Debts Legally , which arise as a result of your failure to obtain such licences and permissions. You will be held accountable and fully responsible for your actions.

Intellectual Property Rights
The names, images and logos identifying Wipe Out Debts Legally or third parties and their products and services, are the proprietary marks Wipe Out Debts Legally and/or their respective owners. Any use made of these marks may be an infringement of rights in those marks and Wipe Out Debts Legally therefore, reserves all rights to enforce such rights that it might have.

Liability, Responsibility
The information provided on or in the site is intended for recreational, non-commercial purposes only. Whilst every effort has been taken to ensure the accuracy of the information provided, the contents of the site reflects the opinions of the writers, they are personal to them and are naturally subject to change from time to time. It is your responsibility to check the accuracy of relevant facts and opinions given, prior to entering into any commitment based upon them.

Wipe Out Debts Legally cannot guarantee that your use of the site will be 100% free from error and/or uninterruption and therefore, cannot be held liable for any damages including but not limited to, indirect or consequential damages, damages for loss of opportunity or chance or any damages whatsoever, arising from use or loss of use, data or profits, whether in action of contract, negligence or other any other action, arising out of or in connection with, any information on the site.

Some of the pages of the Wipe Out Debts Legally site may from time to time, include material posted by third parties. Individual users and advertisers are solely responsible for the content of advertising and other material, which they must submit to Wipe Out Debts Legally for approval and to ensure that such content complies with all relevant legislation. Wipe Out Debts Legally accepts no responsibility for the content of material posted by third parties, including, without limitation, any error, omission or inaccuracy therein.

Website Links
Some of the pages on the site includes links to external websites. These links are included to give users the opportunity to access other pages that may be of assistance to them. Wipe Out Debts Legally is not to be held responsible for the content of these external sites.

You may choose to purchase goods and/or services or otherwise enter into relationships with advertisers or other third parties that you meet through the Wipe Out Debts Legally website. You understand that all such purchases are agreements between you and those third parties and that Wipe Out Debts Legally will bear no connection with that relationship. If you choose to make purchases from such third parties or advertisers or provide your personal information to them, you do so at your own risk and agree that Wipe Out Debts Legally will have no liability to you in connection with any such purchases or disclosures.

You understand and agree that Wipe Out Debts Legally makes no representations about and does not endorse the content or accuracy of any information provided to you by any third-party. Nor does Wipe Out Debts Legally endorse any of the advertisers products or services. In addition, you understand and agree that any or all of the information about third parties on the site may not be: correct, up to date or accurate. Although Wipe Out Debts Legally may take reasonable steps to maintain the validity of the website content, but is not required do to so.

Viruses, Malicious Code
Wipe Out Debts Legally employs a number of security measures to reduce the potential existence of a virus or malicious code within the site, however, whilst every effort has been taken to ensure that the pages of the site are free from viruses, Wipe Out Debts Legally gives no warranties that they are indeed free from viruses and users are responsible for ensuring that they have installed adequate virus checking software for their own protection.

Wipe Out Debts Legally site excludes, in so far as it is legally possible, all liability and responsibility for any viruses or any other computer code, files or programs designed to interrupt, restrict, destroy, limit the functionality of or compromise the integrity of any computer software or hardware or telecommunications equipment or other material transmitted with or as part of the pages on the site or any material downloaded from the site or any publication etc.

Jurisdiction
The terms and conditions shall be governed by and construed in accordance with the laws of England and Wales. Any disputes arising from matters relating to the site, shall be exclusively subject to the jurisdiction of the courts of England and Wales.

Wipe Out Debts Legally operates UK wide without detriment to it's customers or clients. Wipe Out Debts Legally 's registered office is:
Pendle Innovation Centre • Brook St • Nelson • Lancs • BB9 9PU • Telephone No: 01282 878317.

Use of the site by you, is subject to your agreement that any registration information and all updates of the registration information and any other information sent to Wipe Out Debts Legally by you or otherwise obtained by Wipe Out Debts Legally about you (Personal Data) may be processed by Wipe Out Debts Legally for the purposes of:

• Processing your requests.

• Providing you with information by email or other means including post or SMS.

• Providing information about products and services of Wipe Out Debts Legally and other associated parties.

• Providing a personalised service

• Maintaining accounts and records

• Statistical analysis and conducting market research surveys

• Assessing and evaluating the use that is being made of the sites

• Delivering to you products or services offered by Wipe Out Debts Legally or any business partners

Privacy Policy
The purpose of Wipe Out Debts Legally website is to provide you with information about our company and its associated services and is not supplied directly in return for commercial gain.

Wipe Out Debts Legally may collect personal details from users who register for the supply of further information. The details collected enable us to respond to user enquiries and obtain a measure of users' needs, interests and ideas for future web site development.

Registered users details will not be shared with any third-party organisations for commercial purposes.

Wipe Out Debts Legally collects and stores information for our own internal purposes only. This includes, contact via email informing you about updates, changes in services and the latest information. Wipe Out Debts Legally reserves the right to disclose your information as required by law, although aside for legal requirements Wipe Out Debts Legally promises to keep this personal information absolutely private and will not be released to any Third Parties, whatsoever, irrespective of the circumstances.

Use of Cookies
Some parts of our site use cookies. A cookie is a small piece of textual information that is stored by your browser on your computer's hard drive.

Our use of cookies is intended primarily for your convenience. We do not retrieve any information from your computer that is not part of the original cookie sent by us. You may configure your browser to accept or decline cookies or to alert you when cookies are in use. You can decide whether or not to accept them. You are not obligated to accept cookies from us but if you do not, some of the functions on our site may not be available to you. The site uses cookies for collecting user information and the data collected in this way may be processed in the same way as other data submitted to Wipe Out Debts Legally for the same purposes.

By using the site and providing data you consent to receiving emails, post or SMS regarding products from us and/or our chosen business partners and/or associates. This includes receiving renewals of any such products and/or services. Upon their expiration, if appropriate but does not entitle you to demand any such renewal. By using the site to post a question you must provide a contact telephone number. If appropriate, Wipe Out Debts Legally will nominate a representative to call to discuss your question further and to offer their services.

Dissatisfied
If you are dissatisfied with Wipe Out Debts Legally , it’s services and/or it’s products in any way, please email your comments for consideration to: info@wipeoutdebtslegally.com. Wipe Out Debts Legally is not responsible for any damages, incurrence or losses that may result from your involvement with Wipe Out Debts Legally , it’s services and/or products.

Wipe Out Debts Legally or any affiliate or representative of Wipe Out Debts Legally will not be held responsible or be liable to you for non-performance of Wipe Out Debts Legally services and/or products. Neither can Wipe Out Debts Legally be liable for any damages, claims or losses incurred (including without limitation compensatory, incidental, indirect, special, consequential, or exemplary damages), however caused and under any theory of liability arising in connection with the following:

• Services and/or Products

• Any failure, delay, or decision by Wipe Out Debts Legally

• The use or inability to use the Wipe Out Debts Legally websites

You agree and understand that in no event will officers or directors of Wipe Out Debts Legally be liable for direct, indirect, punitive, incidental, special consequential and/or exemplary damages arising out of or in any way connected with the use of the Wipe Out Debts Legally site or with the inability to use the site.

Severability
If any of these terms and conditions should be determined to be illegal, invalid or otherwise unenforceable, the specific term or condition shall be severed and deleted from the terms and conditions and the remaining terms and conditions shall survive, remain in full force and effect and continue to be binding and enforceable.

Cancellations and Refunds
If the client notifies us in writing within 14-days of a claim being submitted that the claim is to be withdrawn (cancelled) or it is assessed that a claim is unlikely to be successful at any stage of the proceedings, a total refund of the fees paid will be applicable.